SDCL § 32-40-20: Insurer has no duty to defend or indemnify excluded claim.

Any motor vehicle insurer that excludes the coverage described in § 32-40-8 or 32-40-9 has no duty to defend or indemnify any claim expressly excluded by the policy. Nothing in this chapter invalidates or limits an exclusion contained in a policy including any policy in use or approved for use in this state prior to the enactment of this chapter that excludes coverage for vehicles used to carry persons or property for a charge or available for hire by the public.